Collections Rep II - Late Stage, Fort Worth, TX

About the role

Join EECU as a Collections Representative (Account Resolutions Representative II)! You'll play a key part in supporting our members while helping them stay on track financially. This role involves negotiating payment arrangements, workouts, and credit counseling for late-stage delinquent accounts, including charge-off accounts. Conduct skip tracing and submit accounts for repossession as required. Establish payment arrangements, provide credit counseling, set and enforce deadlines, recommend and process loan extensions or workouts, and ensure compliance with relevant laws.

Responsibilities

• Negotiate payment arrangements, workouts, and credit counseling for late-stage delinquent accounts, including charge-off accounts.
• Conduct skip tracing and submit accounts for repossession as required.
• Establish payment arrangements, provide credit counseling, set and enforce deadlines.
• Recommend and process loan extensions or workouts.
• Properly apply laws relating to debt collection, privacy, and bankruptcy.
• Recognize internal process failures that may cause erroneous reporting of delinquency.
• Able to audit loans and explain calculations to co-workers and members.
• Able to support and have a high understanding of Deceased, Bankruptcy accounts along with Repossession submissions.
• Responsible for compliance of all Federal and State rules and regulations pertaining but not limited to Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, FCRA/FACTA and Fair Debt Collections Act.
• Attend initial and ongoing annual Bank Secrecy Act training.

Requirements

• 3 plus years collection experience in automobile, mortgage, or credit card portfolio; late-stage preferred.
• Two years customer service experience.
• High level of understanding with deceased, bankruptcy accounts and repossessions.
• In-depth knowledge of collection laws and general familiarity with bankruptcy laws.
• Must understand Collateral Protection Insurance.
• Able to effectively communicate, diffuse tension, and calm members.
• Able to effectively negotiate acceptable repayment arrangements.

Qualifications

• Bilingual (Spanish) speaking preferred.
• High School diploma or equivalent.

Skills

• Ability to work a flexible schedule Monday through Saturday (couple days a week Mon-Fri- the shift will be until 7pm, Saturdays are 9am-1pm).

Benefits

• Be part of a community credit union that has been serving members for over 90 years.
• Enjoy competitive compensation and benefits.
• Work in a supportive and collaborative environment.

Pay

Compensation is commensurate with experience.

Schedule

Monday through Saturday (couple days a week Mon-Fri- the shift will be until 7pm, Saturdays are 9am-1pm).